How to Remove TJXRewards/SYNCB From Your Credit Report

If you noticed “TJXRewards/SYNCB” on your credit report and don’t know where it came from, you’re not alone. This entry typically ties back to a credit card from Synchrony Bank, issued in partnership with TJX stores like TJ Maxx, Marshalls, HomeGoods, and Sierra. Whether it’s a hard inquiry or an account, here’s what it means and how to get it removed if necessary.

Why TJXRewards/SYNCB Is on Your Credit Report

This entry appears when Synchrony Bank is involved in your credit activity. That can happen in a few different ways:

• You applied for a TJX Rewards Credit Card or TJX Rewards Platinum Mastercard.
• You opened an account that Synchrony Bank now reports to the credit bureaus.
• You made late payments or missed payments entirely.
• Your account was closed and remains listed for recordkeeping.
• Your account was sent to collections and may now show up under that status.

In short, TJXRewards/SYNCB shows up when there’s been an interaction with Synchrony Bank involving TJX-branded credit products.

How a Hard Inquiry Affects Your Credit Score

When you apply for a credit card, the lender checks your credit. That triggers a hard inquiry. These inquiries usually stay on your credit report for up to two years. The actual impact on your credit score is minor and tends to fade after a few months, but several hard inquiries in a short time can make lenders more cautious.

If TJXRewards/SYNCB shows up as a hard inquiry, it most likely came from a credit card application with Synchrony Bank.

What to Do If You Didn’t Authorize the Inquiry

If you didn’t apply for a TJX Rewards credit card, you might be dealing with an error—or possibly identity theft. It’s important to act quickly. Here are your next steps:

• Contact Synchrony Bank and ask them to verify the inquiry.
• File a dispute with the credit bureaus if the inquiry wasn’t authorized.
• Review your credit reports for any other unfamiliar activity.
• Consider placing a fraud alert or credit freeze if you suspect identity theft.

The faster you address unauthorized entries, the better chance you have of limiting any damage to your credit score.

How TJXRewards/SYNCB Activity Can Affect Your Credit

This entry isn’t just about hard inquiries. If you have a Synchrony Bank account tied to TJX, it can affect your credit in other ways:

• Account status and payment history are reported monthly.
• Late payments can hurt your credit score and remain on your report for years.
• Accounts that are charged off or sent to collections create additional negative marks.
• Closed accounts still appear and may lower your average account age, depending on when they were opened.

These types of updates are standard for credit card issuers and are part of your overall credit profile.

How to Remove TJXRewards/SYNCB From Your Credit Report

If the entry is accurate and related to a real account or inquiry, you can’t remove it just because you don’t like it. But if it’s there by mistake or was never authorized, you can take action:

• Dispute the entry directly with Equifax, Experian, and TransUnion.
• Submit any supporting documentation that helps your case.
• If the item is removed, the credit bureau must notify you within 30 days.

You can handle this yourself or work with a credit repair company that specializes in these issues.

When to Get Help From a Credit Repair Company

If you’re dealing with multiple inaccurate items or simply want someone to manage the dispute process for you, a credit repair company can help. Credit Saint is one option that works with clients to remove incorrect hard inquiries, collections, late payments, and more.

They even offer a 90-day money-back guarantee, which makes getting started low risk.

If you’re ready to clean up your credit, visit their website and fill out the form to see what they can do for you.